MACATAWA BANK, NATIONAL ASSOCIATION

HOLLAND, MI | Large | Est. Nov. 25, 1997, midnight | FDIC #34618 | RSSD #2634351 | OCC
Latest Report: 2025-12-31

MACATAWA BANK, NATIONAL ASSOCIATION is aln large FDIC-insured commercial bank headquartered in HOLLAND, MI, established in Nov. 25, 1997, midnight. As of 2025-12-31, the bank reported total assets of $3.7B and total deposits of $3.1B. Profitability stands at 1.77% ROA and 11.43% ROE, with a net interest margin of 4.30%. The bank's CET1 capital ratio is 11.80%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.10% and a Texas Ratio of 0.47%. FDIC Certificate #34618.

Assets

$3.7B

Deposits

$3.1B

Loans

$2.7B

Equity

$563M

Profitability

Return on Assets (ROA) 1.77%
Return on Equity (ROE) 11.43%
Net Interest Margin (NIM) 4.30%
Yield on Assets 5.80%
Cost of Funds 2.47%

Asset Quality

NPL Ratio 0.10%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.47%
NPA Ratio 0.08%
ACL / Loans 0.87%

Capital & Liquidity

CET1 Ratio 11.80%
Tier 1 Capital 11.80%
Total Capital Ratio 12.69%
Leverage Ratio 10.84%
Loan-to-Deposit 88.54%

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